[Ryan Shiroky]

rip our hearts out*

[AndyYSCISOdept]

Oh, and as far as "Junk Fees" are concerned, they were the orignal scourge of the industry. Not only have I never once charged one, I never will. The money is expensive enough and I'd rather make less now and keep my clients for a long time. By charging a fee a broker is opening themselves up for another rep to swoop in and take their merchant by simply saying, "...oh they charged you a closing cost? I wont ever do that. Come with me and I will get you funded."

***I learned that move from my mentor back in the day, and its served me well.